Microtraining: EMV in Three

As part of my role as an EMV Evangelist, I’ve produced ‘EMV in Three’, which is essentially all you need to know about EMV in less time than it takes to make a coffee. Please feel free to share this microtraining with your friends and colleagues! Advertisements

The penny dropped

Apple Pay won’t change the way that most of us pay itself, but it has opened a new door to future ubiquitous payment methods via the mobile, IoT or wearable devices.

The great interoperability myth

A question I’ve been asked many (many, many) times about payment cards is why do we keep old acceptance components on the card once we’ve migrated to EMV? For most you should read this as ‘why keep a magstripe?’ but it could equally be ‘why have embossed numbers?’ and ‘why have the PAN written on…

Having the right change is wrong

Nine years on from the tragic bombings that rocked London, Transport for London (TfL) have decided that the time has come to give a better reason for 7 July (7/7) to be remembered – the day that London’s buses went cashless (here). The success of London’s Oyster contactless ticketing system (here) and the introduction of…

Trust me, I don’t want to use my mobile

The more I hear people discuss mobile payments, the more I believe that it’s actually of more importance to the industry than it is to the consumer. Polls such as Bain & Co conducted for eMarketer (here) highlight that most people are currently pretty happy with the payment methods that they have for everyday use…

in2payments on Rebelmouse

If you want more information on the payments world, but are afraid to ask, don’t fear – in2payments live is now available on Rebelmouse to bring you all the latest news stories and tweets from across the web. Click the link below or the Rebelmouse button from our homepage.

I want it now!

The move to real-time starts with our payment senses. What do I mean by this, well I’ll start with an assumption that everyone reading this is a human being ,which means that we typically interact with the world through our five, well-documented, senses. This is the main reason that cash remains so pervasive in society. You…

Why the US MUST move to EMV

Since the Target Senate hearing earlier this year and their very public endorsement of EMV (with PIN!) there’s also been considerable kickback against the standard and its implementation in the US (articles such as this). However, the truth is that the US needs to accept a position of forced altruism. It needs stick to its EMV migration…

Buying a hypercar for the school run

A friend of mine in Belgium owns a beautiful BMW M5, capable of doing nearly 300km/h if de-restricted. The national speed limit is 120km/h. He doesn’t go to track days, but he does drop his kids off at school each day and they certainly arrive in style. He says that he owns it for the…

The seven golden rules of Issuer chargeback management

During development of a recent white paper on handling customer exceptions (here), my team developed the ‘seven golden rules for issuer chargeback management’. Ultimately these are all logical consequences of a well-run card issuing business and require little else than pragmatic process to be employed by issuers.  However, in our industry with all its mystery,…

I don’t want a lot for Christmas

I hate those ‘here are my predictions for next year’ blog posts – where people prognosticate on the broadest possible front so that at the end of the year they can say ‘see, I knew that new thing Apple was pumping millions into would happen’. Where does it get us. I could make a prediction…

USA keeps it online, but forgets online too

One discovery I made when I first entered the payments industry is that despite there being over 170,000 words in the English dictionary, payments people like to use the same word or acronym to mean many different things. Take for example SMS – in daily use to mean Short Message Service (text messages on your…